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Common Sense Lending, Without The The Red Tape

Flexible loans with purpose

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Bad Credit Loans

A bad credit history can be a major barrier to accessing finance through many traditional lenders. At Redilend, our lending criteria is flexible and forgiving, so we can work with you to tailor loan terms that suit your lending needs.

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With a wide range of finance to suit almost any purpose, we can offer bad credit loans for business funding, second mortgages, vehicle and equipment purchases, construction, property development, and much more.

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Regardless of what happened in the past, we’re here to help you finance your future. We remove the red tape from lending, so you get a fair go.

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Low Doc Loans

No financial documents? No worries! We have much more effective ways of determining your loan serviceability, and they don’t require sifting through mountains of historic financial documents. This is just one of the many reasons borrowers like you are choosing caveat loans and 2nd mortgages over traditional loans.

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For self-employed business owners or anyone who doesn’t have the time to round up the paperwork most banks ask for, low doc loans may be a viable option.

 

With our quick and simple low doc loan application process, your finance can be on its way to your bank account as quickly as you can return the signed loan documents.  

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Rural Loans

Farm, rural or agribusiness loans, at Redilend, we’re experts in rural lending. 

 

If you are trying to buy a rural property, hobby farm or large parcel of rural land & acreage, we can help — and our rural mortgage lending process is quick and easy! 

 

Our commercial finance specialists can assist you with rural and commercial property funding, rural business finance, such as capital or lines of credit, as well as assist with plant & machinery hire sales and finance. 

 

Finding the right rural finance solution doesn’t need to be as hard as finding a needle in a haystack. We understand your needs when it comes to rural loans, and set you up with the right finance. 

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Private Lenders

As a specialised commercial finance and equipment hire consortium with more than 20 years of experience, we help you access optimally structured finance solutions at the lowest interest rates.

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Because Redilend is a private lender, we have the freedom to provide you with finance tailored wholly to your situation and needs. We can offer short loan terms from as little as 3 to 12 months, or longer-term loan periods depending on your needs.

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Our flexible lending criteria means we have a high approval rate, and a faster turnaround time. Don’t wait around for a decision from the banks. We can approve your finance in as little as 5 minutes. 

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Refinancing

Don’t stay locked into the wrong loan. Improve your loan term, features or interest rate by refinancing. Just because the loan was right for you back then, doesn’t mean it’s still the right loan today. 

 

If your loan doesn’t effectively suit your needs, it could end up costing you thousands of dollars in unnecessary fees, interest expense and lost time. Refinancing gives you the opportunity to change the term, amount and interest rate of your loan, so you can save time and money. 

 

Get a better loan, better equipment, better features, better term, at a lower interest rate. We can refinance just about any type of loan. 

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Non-Conforming Mortgage Loans

At Redilend, we specialise in finding mortgage solutions for all types of financial scenarios. When your circumstances or financial position do not conform with a major bank’s home loan criteria, Redilend can still find a sensible solution.

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We find financial solutions for people who may be:

  • self-employed,

  • have no financials,

  • have no tax returns,

  • credit impaired or have a low credit score,

  • wanting to purchase or refinance a property,

  • previously rejected by the banks.

 

There are many non-conforming private loan solutions available and Redilend can help.

Our Services

Redilend provides a wide range of specialized mortgage, business, and rural loans.

Redilend Australia provides tailored mortgage and finance solutions for a wide range of lending scenarios, regardless of your financial circumstances. Whether you're self-employed, have an impaired credit history, require specialist lending, or are seeking flexible funding options, our experienced team can help identify the right solution for your needs.

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Our specialist lending solutions include:

  • No Tax Return Mortgages

  • Bad Credit Mortgages & Finance

  • Self-Employed Business Loans

  • Rural Land Mortgages

  • Second Mortgages

  • Commercial Lines of Credit

  • Private Non-Bank Mortgages

  • Equipment Finance & Equipment Hire

  • Debt Refinancing

  • Business Advisory Services

  • Rural Lending

About Us

Redilend Australia is one of the most flexible finance providers in the country. We are specialist mortgage managers, finance brokers, and plant and equipment financiers, providing rental, hire, and project management services at the most affordable prices. 

 

We are a specialised commercial finance & equipment hire consortium, with more than 20 years of finance industry experience within property construction, project management consulting, and high-end plant & equipment logistics.

 

With access to hundreds of different lenders and banks, Redilend Australia provides a variety of financial services and mortgages that don't require tax returns and all the usual financial documents.

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Faster than banks, cheaper than other lenders.

Flexible loan options for various financial needs offered by Redilend.
Happy Family

Charities We Proudly Support

Please give generously when you can, it makes a world of difference.

Logos of the charities supported by Redilend to make a positive difference.
Logos of the charities supported by Redilend to make a positive difference.
Logos of the charities supported by Redilend to make a positive difference.
Logos of the charities supported by Redilend to make a positive difference.
House Tour

Mortgage Loans & Refinancing

Redilend Australia provides specialist property mortgage lending and finance solutions for professional property investors and everyday Australian property owners. With access to an extensive network of lenders, we offer flexible lending alternatives, providing solutions when traditional banks and mainstream lenders are unable to assist.

 

You can access the most competitive interest rates through our software tendering process, which puts your requirements through a hunting process with over 50 lenders competing for your business, providing the best loan facility outcome.

Short Term Business Loans

Redilend Australia is a specialist provider of short-term unsecured business loans, overdrafts, lines of credit, supply chain finance, and debtor invoice factoring, for small to medium business that needs urgent capital and fuss-free finance. With loan amounts starting from $100k up to $ 5 million, specialist business loans are approved swiftly and simply. Regardless of your industry, we provide finance solutions for just about any business purpose Australia-wide.

A visual representation of Redilend's flexible finance solutions for various borrowers.

How Can We Help You?

If you need any of the following, we can help you.

  • Straightforward mortgage solutions without the complexity often associated with traditional lenders.

  • Rural mortgages and farm finance solutions.

  • Flexible lending options without unnecessary delays or excessive documentation.

  • Short-term bridging finance and caveat loans.

  • Second mortgages or equity release using your existing property.

  • Consolidate outstanding business or personal debts into a tailored finance solution.

  • Refinance existing debt into one manageable repayment.

  • Specialist finance solutions for self-employed borrowers, applicants without current tax returns, or those with an impaired credit history.

  • Professional guidance on mortgage repayments, debt management and finance options.

  • Fast finance solutions to help meet business settlement deadlines.

  • Finance for property purchases, renovations or development projects.

  • Borrow against residential, rural, commercial or industrial property, including regional locations, subject to lender approval.

  • Access the available equity in your property through a line of credit or other suitable finance facility.

Express Quote

Get An Express Quote

If you’d like to see how we can help you, we’d love to show you! Simply enter your details below, and we’ll get back to you with an express quote.

Personal Information

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One of our lending specialists is already reviewing your details. We’ll be in touch with you shortly to discuss your options.

Prefer to speak with someone over the phone?

 1300 854 575

Get In Touch 

 1300 854 575

 OPERATING HOURS 

7am - 11pm AEST, 7 days

Our Offices

Level 29, 

Chifley Tower
​2 Chifley Square
Sydney NSW 2000
Ph: (02) 9687 6666

27/101 Collins Street
Melbourne VIC 3000
Ph: (03) 9070 8131

10 Eagle Street
Brisbane QLD 4000
Ph: (07) 3622 6438

28/140 St Georges Terrace

Perth WA 6000
Ph: (08) 6323 2973

2 Phillip Law Street
Canberra ACT 2601
Ph: (02) 9158 3896

6/111 Macquarie Street
Hobart TAS 7000
Ph: (03) 9070 8131

Levels 24 and 30,
Westpac House

91 King William Street
Adelaide SA 5000
Ph: (08) 6323 2973

Level 1, Paspalis Centrepoint
48 -50 Smith Street Mall
Darwin NT 0800 
Ph: (08) 6323 2973

Legal Disclaimer - Regulatory Compliance Statement: Redilend Australia is available exclusively to Australian Pty Ltd companies with a valid ACN ONLY. Lending is not offered to individuals or any NCCP regulated consumer purposes. Commercial Lending Activities We recommend that applicants seeking private finance obtain independent financial and legal advice before deciding what is best for their circumstances. We do not offer any personal loans or credit facilities that are regulated under the National Consumer Credit Protection Act 2009 (Cth). Our services are exclusively confined to business lending or the brokering of commercial credit or finance, predominantly for business or commercial purposes. 1. Introduction Redilend Australia ("we", "us", "our") operates www.redilend.com.au (the "Website") solely as a commercial and business finance broker, providing information, referral, and facilitation services exclusively for unregulated business and commercial financing Australia-wide. All "loans" or "financing" references are to facilities exempt from the National Consumer Credit Protection Act 2009 (Cth) ("NCCP Act") and National Credit Code. 2. Nature of Services and Licensing Status •We are a non-bank commercial referral service and do not hold (nor require) an Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL). •Activities do not constitute "financial services" (Corporations Act 2001 (Cth) s 766A) or "credit activities" (NCCP Act s 6). •Exempt per NCCP Act ss 6(1), 13 and NCCP Regulations reg 68 (with verified business purpose declaration). •We refer only to lenders holding ACL/AFSL or exempt under the Corporations Act (lending from own funds, no public schemes). •We provide no financial product advice, legal, tax, or other advice (ASIC RG 209 compliant). •Remuneration: We may receive commissions, brokerage, or fees from lenders/borrowers (disclosed as required). 3. Non-Consumer Credit Only Services are strictly limited to credit for business/commercial purposes (predominant use >50% per NCCP Act s5, NCCP Regulations reg 68). We do not provide/arrange/facilitate consumer, personal, domestic, or household credit. 4. Applicant Acknowledgment and Business Purpose Declaration By accessing the Website, submitting an enquiry/application, or using Services, you declare and warrant (under penalty of perjury): •Financing is exclusively for business/commercial purposes; not personal/domestic/household. •You have conducted due diligence confirming the NCCP exemption. •You obtained independent financial/legal/tax advice before proceeding. •Application was voluntary, free from duress/pressure by us. •All info provided is true/accurate/complete; false statements may breach Criminal Code Act 1995 (Cth) s 137.1 or Corporations Act s 1041G. •You instruct us to refer to licensed/exempt lenders. •We rely on your declarations for eligibility. •Your responsibility: Verify exemption; if doubt (e.g., mixed purpose), stop and seek advice. •Failure: May reclassify as regulated credit, exposing you to NCCP penalties. •You waive NCCP protections (no responsible lending/disclosures). •Short-term exemption (NCCP Reg 51): ≤62 days, single advance/repayment, fees ≤20% establishment + ≤4% monthly (max 2), business purpose verified. •Signed declaration (NCCP Reg 68 form) required as prima facie evidence (rebuttable only if we knew otherwise). 5. Information and Website Use •General information only; not tailored advice/always seek professional and legal advice before deciding what's best for you. •No warranties on accuracy/completeness/suitability. •Use at your risk; verify independently. •Strongly recommend: Independent professional advice before decisions. 6. Privacy and Consent •We comply with the Privacy Act 1988 (Cth) and Australian Privacy Principles. •By submitting info, you irrevocably consent to disclose (for credit assessment) to credit agencies/providers/guarantors/insurers/third parties. •Withdraw consent: customercare@redilend.com.au (does not affect prior disclosures). 7. Limitation of Liability To the maximum extent permitted by law (incl. Australian Consumer Law), we accept no liability (incl. negligence) for any loss/damage/cost/expense (direct/indirect/consequential) from: •Website/Services use/reliance. •Your decisions/applications. •Info inaccuracy/misuse. •Regulatory reclassification/claims. •Excludes death/injury/fraud (non-excludable). 8. Indemnity The Client indemnifies and holds harmless the Company, its directors, officers, employees, agents, and affiliates (the "Indemnified Parties") from and against all claims, losses, damages, liabilities, costs, and expenses (including legal fees on a full indemnity basis) arising from or in connection with: a)any breach by the Client of the representations, warranties, or declarations in this Agreement; b)any misuse of the Services or provision of false, misleading, or incomplete information by the Client; or c)any reclassification of the credit facility as regulated under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and any resulting consequences, including regulatory penalties or enforcement actions. This indemnity survives termination of this Agreement. 9. Dispute Resolution Any dispute arising out of or in connection with this Agreement shall first be addressed through good faith negotiations. The Client may contact the Company at: •Email: customercare@redilend.com.au •Phone: 1300 854 575 •Post: PO Box 3733, Parramatta NSW 2124 If unresolved within 30 days, the parties may escalate to mediation or, if necessary, legal proceedings. 10. Governing Law and Jurisdiction This Agreement is governed by the laws of New South Wales and the Commonwealth of Australia. The parties irrevocably submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts competent to hear appeals therefrom. The parties confirm compliance with the Australian Consumer Law, NCCP Act, Corporations Act 2001 (Cth), ASIC Regulatory Guides 203 (debt collection) and 78 (tolerable collection practices), and Privacy Act 1988 (Cth). 11. Confirmation and Acceptance By accessing or using the Website or Services, the Client: a)confirms that any credit application or representation made in connection with finance broker services is for a business or commercial purpose, exempt from the NCCP Act pursuant to section 6 (1) thereof, and not for personal, domestic, or household purposes; b)acknowledges receipt of independent professional financial and legal advice confirming the exemption and suitability of the credit for the intended purpose; c)indemnifies the Company, its affiliates, and staff against all legal and financial liability arising from any misuse, dishonesty, or misleading information provided by the Client or borrower; d)verifies understanding of the serious legal consequences (including potential criminal penalties under the Corporations Act and ACL) of providing false or misleading information in a finance application, and confirms having obtained advice on such risks; e)acknowledges the Company's right to verify details, decline, or terminate any application, agreement, or offer at its discretion if contrary to declarations; and f)accepts all terms, fees, and conditions herein, including that fees are payable on demand and, if unpaid, may be referred to collections for recovery in accordance with applicable laws (including RG 96). g)The Client bears all risks and consequences of non-compliance. 12. 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Copyright © 2026 Redilend. All Rights Reserved.

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